LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,600
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,543
−HK$2,989/mo
Today · 4.125%
HK$100,532
baseline
▲ 0.50% · 4.625%
HK$106,649
+HK$6,117/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,064/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,241
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,064
−HK$2,863/mo
Today · 4.125%
HK$110,927
baseline
▲ 0.50% · 4.625%
HK$116,774
+HK$5,847/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,854/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,520
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,051
−HK$3,588/mo
Today · 4.125%
HK$120,639
baseline
▲ 0.50% · 4.625%
HK$127,979
+HK$7,340/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$241,278/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,290
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,677
−HK$3,436/mo
Today · 4.125%
HK$133,113
baseline
▲ 0.50% · 4.625%
HK$140,129
+HK$7,016/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$266,226/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,440
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$136,560
−HK$4,185/mo
Today · 4.125%
HK$140,745
baseline
▲ 0.50% · 4.625%
HK$149,309
+HK$8,564/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$281,490/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,338
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$151,290
−HK$4,008/mo
Today · 4.125%
HK$155,298
baseline
▲ 0.50% · 4.625%
HK$163,484
+HK$8,186/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$310,596/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,280
−HK$10,678/mo
▼ 0.25% · 3.875%
HK$175,577
−HK$5,381/mo
Today · 4.125%
HK$180,958
baseline
▲ 0.50% · 4.625%
HK$191,969
+HK$11,011/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$361,916/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,435
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$194,515
−HK$5,154/mo
Today · 4.125%
HK$199,669
baseline
▲ 0.50% · 4.625%
HK$210,194
+HK$10,525/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$399,338/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,178 · Scale 2, in force from 26 Feb 2026)